For Maryland Realtors and referral partners
Prepare the financing before it becomes the transaction’s problem.
Dan Flavin helps Realtors turn financing questions into a documented next step: buyer preparation, difficult-scenario review, property-specific planning, and clear communication from the first conversation through closing.
Direct answer
What can Dan do for a Realtor and the Realtor’s buyer?
Dan can review mortgage readiness, documentation questions, payment and cash-to-close assumptions, relevant loan programs, and property-specific financing issues. For buyers who are not ready, he can organize a preparation plan. For buyers who are ready, he can move into the appropriate application and approval process. Approval, rates, programs, and closing are never guaranteed.
The referral process
A useful introduction has a clear next step.
The process protects the buyer’s privacy while giving the agent relevant financing context for the search and offer strategy.
- 01
Make a permission-based introduction
Connect Dan and the buyer only after the buyer agrees. Share the goal, likely timing, and the question that prompted the introduction, but do not send sensitive financial documents.
- 02
Clarify the buyer and property plan
Dan reviews the buyer’s goals, timing, income and employment story, available funds, debts, credit questions, other real estate, and likely property type.
- 03
Build the financing path
The next step may be a documented approval, Path 2 Buy preparation plan, program comparison, property-specific review, or a clear list of issues to resolve before shopping.
- 04
Prepare for offers
When appropriate, the buyer and agent receive financing context for payment, cash to close, property considerations, appraisal risk, and offer timing.
- 05
Coordinate the contract
After ratification, Dan works through the mortgage milestones and communicates relevant financing progress while protecting the buyer’s private information.
Bring the complicated question early
Situations where preparation can protect the transaction.
First-time buyers
A sequence for documentation, payment, cash to close, assistance questions, and the transition from planning to offers.
Self-employed and variable income
Early review of business, commission, bonus, overtime, or other income questions before contract deadlines.
Move-up buyers
Planning around current-home equity, sale timing, reserves, occupancy, and the payment transition.
Veterans and eligible service members
VA eligibility and entitlement questions, property standards, funding-fee considerations, and program comparisons.
Condos and unusual properties
Early attention to project review, association obligations, property condition, appraisal, insurance, and program fit.
Investors and specialty borrowers
Property cash flow, reserves, occupancy, documentation, and appropriate conventional or specialty-program questions.
What Realtors can expect
Communication with appropriate boundaries.
- A clear explanation of the buyer’s next financing step.
- Property-specific payment and program review when sufficient information is available.
- Identification of known financing issues that affect the search or offer, subject to the buyer’s consent and privacy.
- Coordination around contract dates, appraisal, underwriting, insurance, title, and closing milestones.
- Plain-language explanations without representing uncertain outcomes as guaranteed.
What helps Dan help the buyer
A responsible handoff.
- Obtain the buyer’s permission before making the introduction.
- Share the buyer’s goal, general timing, likely market, and immediate question.
- Send listing details early when property type, condition, association, or location may affect financing.
- Keep sensitive documents in the approved secure process, never ordinary email or text.
- Allow financial and underwriting questions to be answered from verified information.
Education and business development
Useful content for agents and their clients.
Dan’s Realtor education includes practical discussions about artificial intelligence, customer relationship management, and social media. Mortgage-focused sessions can also help buyers understand readiness, loan options, property considerations, and the steps from application through closing.
Possible formats include office conversations, buyer workshops, market-specific financing sessions, and planning discussions for an agent’s client base. Topics, materials, advertising, sponsorships, and co-marketing must be reviewed for company and regulatory compliance before use.
Share a useful starting point
Resources for buyers before the pressure begins.
Mortgage Readiness Check
Seven non-sensitive questions that route the buyer toward an appropriate preparation step.
Open the check →Planning processPath 2 Buy
A structured review of qualification, payment, cash, documentation, property, and timing.
Explore the process →Second opinionLoan Estimate Review
A complete comparison of rate, points, credits, fees, payment, lock terms, and cash to close.
See what Dan reviews →Realtor partnership FAQ
Questions before you make an introduction.
Does referring a buyer guarantee mortgage approval?
No. Any approval depends on a complete application, verification, the property, the selected program, and current underwriting requirements. Dan can identify issues and planning steps, but cannot guarantee approval or closing.
What information should a Realtor include in an introduction?
With the buyer’s permission, include the buyer’s preferred contact information, general goal, approximate timing, likely market or property type, and the main financing question. Do not transmit Social Security numbers, account numbers, tax returns, bank statements, or identity documents.
Can Dan help before a buyer is ready for preapproval?
Yes. Path 2 Buy and the mortgage readiness check are designed to organize the preparation work without representing that a buyer is approved.
Does Dan offer Realtor education or co-marketing support?
Dan discusses buyer-education events, mortgage workshops, and practical sessions on artificial intelligence, CRM, and social media. Any advertising, sponsorship, or co-marketing arrangement is subject to company approval and applicable rules.
Start with one real scenario
Bring the financing question your buyer is trying to solve.
Dan can help determine whether the next step is preparation, a documented mortgage review, an application, or a property-specific conversation.
Educational and partnership information only. This page does not create a referral agreement, co-marketing arrangement, rate quote, approval, commitment to lend, or guarantee of closing. Activities and materials are subject to applicable company, licensing, advertising, privacy, RESPA, and other requirements. All loans are subject to approval. Equal Housing Lender.